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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $93,535 | $62,583+49.5% | $76,767+21.8% | $64,173+45.8% |
| Participation rate | 100.0% | 72.8%+27.2pp | 77.0%+23.0pp | 69.6%+30.4pp |
| Annual return | 5.10% | -1.95%+7.1pp | 2.43%+2.7pp | 7.63%-2.5pp |
| Employer contribution / active EE | $2,088 | $1,832+14.0% | $2,485-16.0% | $2,381-12.3% |
| Participant deferral / active EE | $2,857 | $3,145-9.2% | $3,852-25.8% | $3,470-17.7% |
| Admin fee / account holder | $3,592 | $4,667-23.0% | $6,675-46.2% | $4,887-26.5% |